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Community Bank of Grants Pass

Grants Pass, OR · Cert 34131

FDIC

Q4 2003

$47.4MAssets
$35.9MLoans
$42.0MDeposits
$5.3MEquity
Loan mix
55%RE $6.6M43%C&I $5.1M2%Consumer $0.2MQ4 2002Q4 2003
Deposit mix
80%Interest-bearing $33.6M20%Noninterest $8.3MQ4 2002Q4 2003

NIM

8.54%Q4 ’016.91%Q4 ’026.36%Q4 ’03+5%0%

Non-interest income vs. expense

3.53%Q4 ’013.61%Q4 ’023.99%Q4 ’03-3%+6%

Executive Summary

  • Earnings: ROA of 0.87%, down 44 bps year over year; NIM at 5.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.70%.
  • Funding: loans stand at 85.59% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

0.87%-44 bps YoY

Net Interest Margin (YTD, annualized)

5.08%0 bps YoY

Efficiency Ratio (YTD, annualized)

66.43%+415 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets1.31%1.29%1.36%1.18%0.87%-44 bps
Return on Equity12.98%12.52%13.07%11.22%8.12%-486 bps
Net Interest Margin5.09%5.06%5.07%4.89%5.08%0 bps
Efficiency Ratio62.28%62.89%61.45%65.71%66.43%+415 bps
Non-Interest Burden2.90%2.80%2.72%2.88%3.07%+17 bps
Growth
Asset Growth (YoY)9.47%11.29%10.85%3.03%-0.69%-1,016 bps
Loan Growth (YoY)3.44%-0.79%-2.11%-2.02%0.93%-251 bps
Deposit Growth (YoY)8.64%10.93%10.66%1.96%-1.52%-1,016 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.30%0.42%0.25%0.21%0.70%+40 bps
Allowance / Loans1.02%1.02%1.00%0.99%0.98%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.51%14.34%14.51%15.09%14.71%+120 bps
Equity / Assets10.14%10.46%10.58%10.89%11.24%+110 bps
Liquidity & Funding
Loans / Deposits83.51%80.06%80.41%79.07%85.59%+208 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a